Call reports 2002
HIGHLANDS UNION BANK — 2002
What HIGHLANDS UNION BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 457,409,000 | 464,384,000 | 476,203,000 | 481,009,000 |
| Total loans | 330,107,000 | 331,897,000 | 331,786,000 | 335,620,000 |
| Allowance for loan losses | 3,508,000 | 3,746,000 | 3,818,000 | 3,857,000 |
| Securities available for sale | 95,178,000 | 93,933,000 | 101,219,000 | 102,743,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,885,000 | 397,642,000 | 407,663,000 | 412,538,000 |
| Interest-bearing deposits | 342,092,000 | 340,838,000 | 347,407,000 | 354,697,000 |
| Noninterest-bearing deposits | 53,793,000 | 56,804,000 | 60,256,000 | 57,841,000 |
| Equity capital | 29,971,000 | 31,051,000 | 32,622,000 | 33,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,782,000 | 15,477,000 | 23,135,000 | 30,654,000 |
| Interest expense | 3,568,000 | 6,946,000 | 10,294,000 | 13,572,000 |
| Net interest income | 4,214,000 | 8,531,000 | 12,841,000 | 17,082,000 |
| Noninterest income | 605,000 | 1,437,000 | 2,448,000 | 3,405,000 |
| Noninterest expense | 3,065,000 | 6,182,000 | 9,587,000 | 12,889,000 |
| Provision for loan losses | 412,000 | 987,000 | 1,373,000 | 1,823,000 |
| Pretax income | 1,318,000 | 2,802,000 | 4,346,000 | 5,792,000 |
| Income tax | 317,000 | 703,000 | 1,065,000 | 1,348,000 |
| Net income | 1,001,000 | 2,099,000 | 3,281,000 | 4,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,508,000 | 30,117,000 | 31,130,000 | 31,741,000 |
| Total capital | 33,016,000 | 33,863,000 | 34,948,000 | 35,598,000 |
| Risk-weighted assets | 302,897,000 | 307,840,000 | 309,006,000 | 311,151,000 |